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Capital One Spark Miles for Enterprise assessment



Why we like this card: The Capital One Spark Miles for Enterprise card helps your organization scale back journey payments if you use it to cowl on a regular basis enterprise bills. It additionally presents an ample welcome bonus with an attainable minimal spending requirement.

Execs

  • Earn 2x the miles on each buy
  • Obtain a 50,000-mile welcome bonus if you meet the minimal spending requirement
  • No international transaction payment

Cons

  • No promotional APR
  • Excessive money advance and penalty APR
  • $95 annual payment after the primary 12 months

Capital One Spark Miles for Enterprise: Overview

APR

  • Intro: N/A
  • Buy: 26.24% variable APR
  • Stability switch: 26.24% variable APR; no transaction payment
  • Money advance:  32.24% variable APR; $3 or 3% of the advance quantity as a transaction payment
  • Penalty: 34.65% variable APR

Annual payment: $0 the primary 12 months; $95 annually afterwardfor 12 months two and past

International transaction payment: None

Late fee payment: $39

The Capital One Spark Miles for Enterprise account rewards frequent enterprise vacationers with a beneficiant numberamount of miles every time they use their card. So, in the event you run and develop your organization from airport lounges and resort rooms, it may make a terrific addition to your agency’s monetary toolbelt. Nevertheless, the Spark Miles APR is excessive–—particularly in the event you take out a money advance or miss a fee.

Capital One Spark Miles for Enterprise: Rewards

You may earn 2x the miles on each buy, with no restrict, no matter spending class. You may as well earn 5x the miles if you use your card to e-book rental automobiles and resort stays by means of Capital One Journey. Simply take into account that money advances, steadiness transfers, and account checks don’t earn miles.

Does Capital One Spark Miles for Enterprise supply a bonus?

The Capital One Spark Miles for Enterprise card presents a beneficiant welcome bonus of fifty,000 miles. It’s essential to spend $4,500 inside the first three months of being an account holder to be eligible for the bonus.

Tips on how to redeem Capital One Spark Miles for Enterprise miles

You may redeem your Capital One Spark Miles for Enterprise miles in a number of methods, together with:

Earlier than journey

You may scale back your upfront journey bills by reserving your flight, rental automotive, or resort keep by means of Capital One Journey. The variety of miles you have to redeem will range based mostly on the price of your itinerary.

After journey

You may as well use your miles to cut back the price of previous journey. It’s essential to apply your miles to your account steadiness inside 90 days of constructing the journey buy together with your card.

By means of journey companions

Capital One has agreements with greater than 15 resort chains and airways, resembling British Airways Govt Membership, Flying Blue, Virgin Crimson, and Wyndham Rewards, to call a number of. You need to use your miles for flights, lodging, and trip packages by transferring them to those journey companions.

Different fee strategies

Capital One helps you to swap your miles for present playing cards, checks, or account credit. Nevertheless, the redemption charges can change on the card issuer’s discretion, so it’s a good suggestion to periodically test what you’re getting to your well-earned miles earlier than finishing the transaction.

Further advantages

Your Capital One Spark Miles for Enterprise account options a number of different advantages apart from incomes miles, resembling:

  • Preliminary annual payment waived: As a brand new cardholder, you gained’t need to pay an annual payment till 12 months two.
  • Versatile fee date. Select the due date that works greatest for what you are promoting.
  • As much as a $100 assertion credit score: Get a press release credit score if you use your account to cowl your TSA Pre✔® ($85) or World Entry ($100) utility payment.
  • Capital One Lounge entry: Take pleasure in refreshments in a calming atmosphere away from the chaos of the airport.
  • Software program integrations: Your bank card account will work seamlessly with platforms like QuickBooks and Xero.
  • Vendor funds: Pay distributors that don’t usually settle for bank cards together with your account. (A 2.9% payment applies.)
  • Worker playing cards: Give your staff their very own playing cards without spending a dime, earn rewards based mostly on their spending, and set applicable spending limits. 
  • Fraud safety: Get fraud and safety alerts, lock your card when needed, and chill out, figuring out you might have $0 price of fraud legal responsibility ought to your card fall into the fallacious arms.
  • Useful stories: Overview buy data, transaction particulars, recurring transactions, and year-end summaries to tell firm budgeting and monetary planning processes.
  • Prolonged guarantee safety: In the event you purchase an merchandise together with your Capital One Spark Miles for Enterprise bank card, you could possibly get further safety for it.

Is Capital One Spark Miles for Enterprise best for you?

Capital One Spark Miles for Enterprise could be the very best enterprise bank card for you in the event you journey rather a lot on behalf of your organization. The cardboard helps you defray your journey bills with each buy. Plus, you’ll be able to earn 5x the miles on journeys you e-book by means of the Capital One Journey platform.

Then again, the Spark Miles card won’t be just right for you in the event you run what you are promoting from a single location. The reward construction gained’t profit you that a lot. Plus, you might not really feel the account is well worth the $95 annual payment (beginning in 12 months two).

Bank cards much like Capital One Spark Miles for Enterprise

If the Capital One Spark Miles for Enterprise card doesn’t make sense to your enterprise, you might have a number of different choices. Contemplate the Capital One Spark Money Plus card.

Capital One Spark Money Plus vs. Capital One Spark Miles for Enterprise

The Capital One Spark Money Plus card is a strong alternative if you wish to put a refund in your pocket or scale back your account steadiness. It offers you limitless 2% money again (as a substitute of miles) on each buy and limitless 5% money again on inns and rental automobiles booked by means of Capital One Journey. 

Nevertheless, it’s a cost card, so that you want sufficient money stream to repay the complete steadiness every month. Plus, the Spark Money card’s annual payment is barely increased than the Spark Miles’, coming in at $150.

Often requested questions

Do Capital One miles expire?

Capital One miles don’t expire. Nevertheless, in case your account will get closed, you might lose the rewards you’ve banked however not redeemed.

Is a cash-back card higher than miles?

A cash-back card could also be a greater match than a far card in the event you don’t journey typically. 

What FICO rating do you want for Capital One?

Every of Capital One’s bank cards has its personal eligibility standards. Nevertheless, you want a superb FICO rating to qualify for the Capital One Spark Miles for Enterprise card. 


Please be aware that card particulars are correct as of the publish date, however are topic to alter at any time on the discretion of the issuer. Please contact the cardboard issuer to confirm charges, charges, and advantages earlier than making use of.

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